Reviewing Heritage Southeast Bancorporation (OTCMKTS:HSBI) & TC Bancshares (NASDAQ:TCBC)

Profitability

This table compares TC Bancshares and Heritage Southeast Bancorporation’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
TC Bancshares	N/A	N/A	N/A
Heritage Southeast Bancorporation	20.73%	N/A	N/A

Valuation & Earnings

This table compares TC Bancshares and Heritage Southeast Bancorporation”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TC Bancshares	$14.76 million	5.46	$600,000.00	$0.23	87.96
Heritage Southeast Bancorporation	$75.43 million	0.00	$13.81 million	$2.19	N/A

Heritage Southeast Bancorporation has higher revenue and earnings than TC Bancshares. Heritage Southeast Bancorporation is trading at a lower price-to-earnings ratio than TC Bancshares, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

TC Bancshares has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500. Comparatively, Heritage Southeast Bancorporation has a beta of 0.85, suggesting that its stock price is 15% less volatile than the S&P 500.

Insider and Institutional Ownership

23.6% of TC Bancshares shares are owned by institutional investors. Comparatively, 0.2% of Heritage Southeast Bancorporation shares are owned by institutional investors. 9.6% of TC Bancshares shares are owned by company insiders. Comparatively, 29.6% of Heritage Southeast Bancorporation shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

Heritage Southeast Bancorporation beats TC Bancshares on 6 of the 8 factors compared between the two stocks.

About TC Bancshares

TC Bancshares, Inc. operates as the holding company for TC Federal Bank that provides various banking services for individual and commercial customers in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The company also offers lending products comprising single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans, construction loans, land development loans, and SBA/USDA guaranteed loans. It operates branches in Thomasville, Georgia and Tallahassee, Florida, as well as loan production offices in Savannah, Georgia, and Jacksonville, Florida. The company was founded in 1934 and is based in Thomasville, Georgia.

About Heritage Southeast Bancorporation

Heritage Southeast Bancorporation, Inc. operates as the bank holding company for Heritage Southeast Bank that provides a range of commercial and consumer banking products and services primarily in North and South Metro Atlanta, southeastern Georgia, and Northeastern Florida. The company offers checking and savings, money market, and individual retirement accounts, as well as certificates of deposit; personal, home equity, mortgage, term, small business administration, commercial real estate, and construction loans; personal lines of credit; accounts receivable financing; credit and debit cards; and mobile, online, and telephone banking services, as well as cash management, courier, and remote deposit services. The company was founded in 1995 and is based in Jonesboro, Georgia.